ICP net loan card was hot to the supervision of Oolong EDI license-lata-01

Net loan ICP certificate hot is oolong supervision is EDI license recently, "net loan platform do wrong to do ICP certificate" message in the network rumors. Surging news reports said, "according to the net lending regulatory rules, net loan institutions need to deal with online data and transaction processing permit (also known as EDI license), rather than this" ICP card "(Internet information service business license)". This news makes many P2P net loan platform feel "ignorant", what to do is the ICP card, or EDI card? Prior to August 24th, the CBRC and other four ministries jointly issued "Interim Measures for the management of business activities of online lending intermediaries" (hereinafter referred to as "net lending measures"). According to its fifth provisions, the network lending information intermediary institutions to complete the registration of local financial regulatory authorities, should be in accordance with the relevant provisions of the competent departments of communications for the corresponding telecom business license, otherwise, network lending information intermediary business can not be carried out. In September 19th, the daily economic news reporter consulted the Zhejiang Provincial Communications administration. Related staff said that the Internet financial industry should deal with online data processing and transaction processing business (EDI), rather than information services business. Two types of business are related, according to the requirements of net loan measures, the platform for the operation of telecommunications business license, that is, the Internet information service business license, also known as the website ICP business license. In accordance with the regulations of the People’s Republic of China Telecom and the management of Internet information service, ICP certificate is the license of the website operation, and the operating website must apply for the ICP certificate, otherwise it belongs to the illegal operation. According to the classification catalogue of telecommunication service (2015 Edition) issued by the Ministry of industry and information technology in December 2015, China’s telecommunications business is divided into basic telecom services and value-added telecom services. The value-added telecommunications business includes two categories: the first category includes business, Internet data center content distribution network service, domestic Internet virtual private network services and Internet access services and other four kinds of business; the second includes online data processing and transaction processing business, domestic multiparty communications services, store and forward services, call center operations, the information service and the encoding and conversion of six kinds of business business rules. Net loan home latest data show that as of September 19th, a total of 247 P2P network lending platform has ICP certificate, the vast majority of their business types are value-added telecom services in the second categories of information services business. According to the classified catalogue of telecommunication service (2015 Edition), information service business refers to the service of providing information service to users through public communication network or Internet through the construction of information collection, development, processing and information platform. The types of information services include information organization platform and delivery service, information search and inquiry service, information community platform service, information instant interactive service, information protection and processing service, etc.. The EDI card, which is widely known in the Internet, refers to the "online" in the second categories of value-added telecom services.

网贷ICP办证热竟是乌龙 监管要的是EDI许可证   近日,“网贷平台别错办了ICP证”的消息在网络盛传。澎湃新闻报道称,“根据网贷监管细则,网贷机构需要办理的是在线数据与交易处理许可证(也称EDI许可证),而不是此前传得沸沸扬扬的ICP证(互联网信息服务业经营许可证)”。   这则消息令很多P2P网贷平台感觉很“懵”,到底要办的是ICP证呢,还是EDI证?   此前在8月24日,银监会等四部委联合出台《网络借贷信息中介机构业务活动管理暂行办法》(以下简称“网贷办法”)。按其第五条规定,网络借贷信息中介机构完成地方金融监管部门备案登记后,应当按照通信主管部门的相关规定申请相应的电信业务经营许可,否则不得开展网络借贷信息中介业务。   9月19日,《每日经济新闻》记者咨询了浙江省通信管理局。相关工作人员表示,互联网金融行业应该办理的是在线数据处理与交易处理业务(即EDI),而不是信息服务业务。   ● 两类业务具有关联性   根据网贷办法的要求,平台办理的电信业务经营许可证,即互联网信息服务业经营许可证,也叫网站ICP经营许可证。按照《中华人民共和国电信条例》和《互联网信息服务管理办法》,ICP证是网站经营的许可证,经营性网站必须办理ICP证,否则就属于非法经营。   根据工业和信息化部2015年12月发布的《电信业务分类目录(2015年版)》,我国电信业务分为基础电信业务和增值电信业务。   其中,增值电信业务包括两类:第一类包括互联网数据中心业务、内容分发网络业务、国内互联网虚拟专用网业务和互联网接入服务业务等四种业务;第二类包括在线数据处理与交易处理业务、国内多方通信服务业务、存储转发类业务、呼叫中心业务、信息服务业务和编码和规程转换业务等六种业务。   网贷之家最新数据显示,截至9月19日,共有247家P2P网贷平台拥有ICP证,他们绝大多数的业务种类都是增值电信业务第二类中的信息服务业务。   根据《电信业务分类目录(2015年版)》,信息服务业务是指通过信息采集、开发、处理和信息平台的建设,通过公用通信网或互联网向用户提供信息服务的业务。信息服务的类型按照信息组织、传递等技术服务方式,主要包括信息发布平台和递送服务、信息搜索查询服务、信息社区平台服务、信息即时交互服务、信息保护和处理服务等。   而网络盛传的EDI证,其实是指增值电信业务第二类中的“在线数据处理与交易处理业务”这一业务种类。   所谓在线数据处理与交易处理业务,是指利用各种与公用通信网或互联网相连的数据与交易 事务处理应用平台,通过公用通信网或互联网,为用户提供在线数据处理和交易 事务处理的业务,包括交易处理业务、电子数据交换业务和网络 电子设备数据处理业务。   对此,PPmoney万惠相关人员表示,EDI和ICP证针对两种不同类型的业务,具有一定的相关性。   ● 地方小平台静待细则   那么,P2P网贷平台应该办理的到底是哪一项业务许可呢?   9月19日,《每日经济新闻》记者咨询了浙江省通信管理局。相关工作人员表示,互联网金融行业应该办理的是在线数据处理与交易处理业务(即EDI),而不是信息服务业务。   同时《北京商报》消息称,北京通讯管理局正在和北京市金融局协商如何审批EDI。   网贷之家最新数据,目前拥有EDI证的P2P网贷平台,全国有31家。《每日经济新闻》记者发现,若按照截至2016年8月底全国正常运营平台2235家计算,如果监管要求的真是EDI证,那么目前P2P网贷平台的“合格率”为1.39%,还不到2%。   铜掌柜是同时拥有ICP证和EDI证的平台之一,其首席信息官金少策表示,申请的时候并没有考虑太多,也不知道哪些有用,只是从合规发展的角度出发,能申请就都申请了。   采访中,《每日经济新闻》记者注意到,没有EDI证的平台目前更多采取了观望的态度。   浙江一家拥有ICP证的网贷平台负责人在接受《每日经济新闻》记者采访时表示,目前让行业最感到困惑的是,一方面网贷办法出台了要求取得相应的电信业务经营许可;另一方面,办法中又没有具体说明。最近又传出来要办EDI,监管部门的意见也没有具体的政策,所以只能等着。   “不着急,我们按兵不动,不能一有口风传出来,就一窝蜂地去办。杭州一大半的平台没有EDI证,现在有传言ICP证办理很难,如果是这样的话,那么EDI证就更难了。上海只有少数几家公司有ICP证,好多大型平台都没有,我们地方小平台不着急,先观望着吧。”上述平台负责人称。   而拥有ICP证的开鑫贷总经理周治翰则表示,目前,网贷管理办法规定“网络借贷信息中介机构完成地方金融监管部门备案登记后,应当按照通信主管部门的相关规定申请相应的电信业务经营许可”,预计备案的相关指引近期会出台,所以网贷平台应该最先进行备案的准备工作。   广州e贷总裁方颂对《每日经济新闻》记者表示,从技术上来讲,不管是哪一类,办理起来应该都不难。但是关键在于从去年下半年开始,通信主管部门不是考虑技术问题,而是考虑金融风险问题。因为监管政策出来了,现在的要求就是备案登记之后,才能申请这个证书。   “备案登记是前提条件。”方颂认为,平台也不用着急,这是一个全局性的问题,毕竟取得证书的平台还是少数,而且法律法规有了明确规定,平台只需要按照这个路子走,就可以。关键还是平台要怎么办理备案登记,以及平台自身的合规问题。   “申请EDI证的复杂程度、难度与申请ICP证差不多,工作量都不小,相信网络借贷主管部门未来将会进一步明确。平台还是在完成备案工作、与监管部门明确沟通清楚之后再办理较为稳妥。”周治翰说。相关的主题文章: